Why A2A scales when interoperability comes first: across very different markets, the same hidden dynamics determine whether account-to-account payments become habit or fade into option. Read the analysis on EBANX Insights.

Why A2A scales when interoperability comes first

Latin America's digital commerce defies the region's macro gloom. While GDP growth hovers near 2% in 2026, e-commerce is set to expand at a double-digit pace through 2028


Latin America's digital commerce defies the region's macro gloom

Brazil’s instant revolution, Pix, did not follow a Western blueprint, and that is why it resonates with other emerging regions. Read five lessons from the system, according to EBANX's VP of Product, Eduardo de Abreu.

Five lessons from Brazil's Pix for other emerging markets

Digital wallets have become the fastest-growing online payment in Brazil in 2025, according to an EBANX analysis on PCMI data. Read all about it on EBANX Insights.

Digital wallets become the fastest-growing online payment in Brazil

Nequi’s recurring feature removes Colombia’s credit-card barrier, enabling subscriptions and digital services for over 27 million users. Read all about it on this EBANX Insights analysis.

How Nequi recurring payments can reshape digital commerce in Colombia

From “Nequi me that” to Netflix subscriptions

Latest Articles

Pix Automático transactions projected to grow 41% monthly through May 2026

Based on EBANX operational data, Pix Automático is scaling rapidly in Brazil, improving approval rates and expanding access to recurring payments for global brands. Learn all about it.

Pix Automático growth: what EBANX data reveals so far

Pix Automático transactions projected to grow 41% monthly by 2026

In this Mastercard–EBANX fireside chat, two industry leaders break down how instant payments, stablecoins, and new rails are evolving—and why the real edge now lies in giving consumers choice and control. Read it all about it!

Mastercard & EBANX on building smarter payments

Cards, APMs, or stablecoins? Consumers want choice and control

Through EBANX, global companies can implement Network Tokens to increase their card approval rates in key countries across Latin America. Read all about it.

Network Tokens in Latin America: How EBANX drives card acceptance

EBANX drives card acceptance in LatAm with Network Tokenization

According to World Data Lab, by 2035, emerging markets will add over 1B new consumers. See how regions like Latin America and Africa are reshaping global growth, spending, and digital commerce.

How emerging markets will add 1 billion consumers by 2035

The unsuspecting opportunity in non-obvious high-growth markets

How EBANX leverages AI to fight fraud and boost performance, consistently surpassing market benchmarks, and optimizing merchants' approval rates. Read all about it.

How EBANX leverages AI to fight fraud and boost performance

We know that in digital payments, "every basis point counts."

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Alessandra Arduini brings 15 years of corporate experience, with over eight years leading complex initiatives in the tech, e-commerce, and financial sectors. Currently Head of Data & AI at EBANX, she has been with the company since 2022. In this role, she sets the strategic direction for the Data Science, Data Engineering, and Data Analytics teams. She spearheaded the company's focus on data products development, a capability she now works to consolidate and embed within the company's core operations, ensuring seamless cross-functional collaboration.

Alessandra Arduini

Débora Dellani focuses on market intelligence and go-to-market narratives for global merchants expanding into emerging markets. She brings over a decade of experience across B2B SaaS, marketing, and fintech, including leadership roles at US-based startups and participation in global acceleration programs (Google and Techstars). She holds an MIT Professional Certificate in Applied Data Science and an MBA in Marketing and Administration.

Débora Dellani

Chris Zietsman is the Executive Head of Business Payments at Capitec. He is a key leader in driving the bank's innovative payment solutions. He holds overall responsibility for ensuring the success of Capitec Pay by driving affordable and secure payments.  Zietsman is at the forefront of forging strategic partnerships with global companies.  His work is pivotal in expanding Capitec's footprint in the digital commerce space.

Chris Zietsman 

Eduardo de Abreu is Vice President of Product at EBANX, where he leads product strategy and business architecture for global merchants operating in emerging markets. With more than a decade at the company, he has held leadership roles spanning product, finance, and commercial strategy. He holds degrees in Economics and Engineering, as well as postgraduate training in finance and business management.

Eduardo de Abreu

Fiorella is part of the Market Development team for Africa and plays a crucial role in the company's growth in emerging markets. Her work involves forging key partnerships with local payment providers, such as the recent integration with Capitec Pay in South Africa, which has been pivotal in unlocking the market for major international merchants. Through her leadership, she has significantly contributed to bridging the gap between international companies and the African digital economy.

Fiorella Quintana

Sinenkosi Mtshali is a Global Expansion Market Specialist at EBANX, supporting the company’s growth across Africa through partner-driven work on payment models and regulatory strategy. She contributes to advancing digital payments adoption in the region and co-authored the white paper Connecting the World: How Cross-Border Payments Fuel E-commerce. Sinenkosi is also a regular participant in key industry forums, where she engages with leaders on the future of payments in Africa.

Sinenkosi Mtshali

Five years on, Brazil's Pix approaches 8 billion monthly transactions

Pix approaches 8 monthly transactions. Marking its fifth anniversary, Brazil’s instant payment system, Pix, is on course to surpass seven billion monthly transactions for the first time, potentially reaching 7.9 billion in December. Read all about it.

Pix: Brazil's instant system is on track to reach 8 billion monthly transactions

Five years on, Pix approaches 8 monthly transactions

João is CEO of EBANX, a position he assumed in 2021 after more than three years as Chief Operations Officer, preceded by almost seven years as Chief Technology Officer. With more than 20 years of experience in software development, he is the mind behind the first codes for the EBANX platform, which allows all of the company's operations to work with synergy, rapid, and frictionless responsiveness. During his time as COO, he was at the forefront of important fintech projects, such as building the global commercial team, launching 50 new integrations and payment methods in the company's B2B solutions in a single year, and the international expansion of EBANX, which currently operates in 29 countries in the three regions where the digital market is growing the fastest in the world: Latin America, Africa, and Asia.


João Del Valle

Pix has shown over these five years just how transformative digital payments can be for financial inclusion.

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The Payments Explained is a complete glossary that defines the main terms and concepts commonly used in the payment industry. In just a click you can access great articles and easily learn more about the payments world.

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Payments Explained: SWIFT Code

Payments Explained: UPI

Payments Explained: Electronic Funds Transfer (EFT)

Payments Explained: 3D Secure: All You Need to Know

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Explore studies, white papers, reports, e-books, and other insightful content based on expert sources and more than a decade of global experience in the payments industry amidst expanding economies. We encourage you to deepen your payments knowledge and uncover business opportunities with free resources from EBANX.

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EBANX Insights is a content hub that delivers premier news and opportunities within the payment industry. Explore articles authored by our subject matter experts.

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Insights Home | Expert news and articles on payments

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Online has surpassed the offline travel market, so knowing travelers' preferences when purchasing from OTAs is crucial.

The Size of the Opportunity for Online Travel Agencies

[REPORT]: The Size of the Opportunity for OTA

How global SaaS companies can accelerate growth through recurring payments.

The SaaS market in rising economies

[WHITEPAPER]: The SaaS market in rising economies

Getting a deeper understanding of Latin Americans' preferences and payment behavior is crucial to converting them into loyal customers. Read the full guide!

Payment Performance Guide Checklist

Guide: The payment performance checklist to elevatin

Catch on to the main characteristics and habits of gamers from Latin America. This infographic uncovers how Latino gamers behave, their preferences, and also in

Catch on to the main characteristics and habits of gamers from Latin America. This infographic uncovers how Latino gamers behave, their preferences, and also insights that will contribute to winning Latinos gamers' hearts.

Infographic: The Latin American gamer profile

5 lessons from Brazil's Pix for other emerging markets

How Nequi recurring payments can reshape access to digital services in Colombia

n this fireside chat from Payments Summit 2025, Marie-Elise Droga, from EBANX, and Paula Paschoal, from Mastercard, discuss how to build smarter payments in emerging markets.

A hard look at payments in Africa: fueling e-commerce or exclusion?

A hard look at payments in Africa: fueling e-commerce or exclusion? At EBANX, we connect the world’s largest merchants to the most relevant payment methods in emerging markets, and we must confront this issue head-on. Read all about it.

Payments in Africa: digitizing access or exclusion?

Hotmart sees retention boost after launching Pix Automático via EBANX

Hotmart sees retention boost after launching Pix Automático via EBANX. New data on Hotmart’s operations with the recurring feature showing a 32 percentage-point uplift in consumer retention were disclosed at the Payments Summit. Read all about it.

What Pix Automático means for Asian-Pacific gaming companies

What Pix Automático means for Asian-Pacific gaming companies. The recurring feature of Brazil's instant payment system could be instrumental in bringing more gamers to APAC developers.

Cracking the LatAm code: How local payments fuel SaaS champions

Digital SaaS brands are scaling fast in Latin America, but their success depends on how well they adapt to local needs. Read all about it.


The SDK that scaled EBANX

How an engineering-built solution helped us integrate 100+ payment methods, speed up delivery, and expand globally. Read all about it.

Recurring Pix goes live. Installment payments come next

Get ready for what's coming after Pix Automático: Pix Parcelado. Read all about it on EBANX Insights!

What is SWIFT?

SWIFT Code - An Overview

Does every bank have a SWIFT code?

Is a BIC code the same as a SWIFT code?

What is IBAN, and how is IBAN Different From a SWIFT Code?

Why do we Need IBAN?

How do I Locate my Bank's SWIFT Code?

In international business, SWIFT Codes are a standard part of conducting transactions. SWIFT codes identify banks for merchants and companies who transfer payments internationally so the money is withdrawn and deposited in the right place. It’s up to the company to locate their banking SWIFT codes to ensure quick and accurate payment. Understanding how SWIFT codes work is vital for smooth transactions that result in fast and easy payments.

SWIFT Code

Swift Code

What is SWIFT Code? | Payments Explained

Staying current with local ecosystems' decisions shapes card payment performance

Staying current with Latin American local ecosystem’s decisions shapes card payment performance. EBANX Operations Director André Peixoto shares key developments from issuers and advice on adapting to changes. 

Staying current with local decisions shapes card payment performance

Staying current with local ecosystem’s decisions shapes card payment performance

What are instant payments?

What is UPI payment?

How UPI Works?

What are the benefits of UPI transfer?

Start offering UPI payment method with EBANX

Launched on April 11, 2016, UPI became the most popular payment method in India, and it is projected to account for 90% of the total transaction volume in retail digital payments from 2023 to 2028.

Unified Payments Interface (UPI): the instant payment that reshaped India's financial landscape

Unveil the power of UPI in India, exploring how it works and revolutionizes transactions. Discover Insights with EBANX.

The Unified Payments Interface (UPI) is a digital and real-time payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI). 

Unified Payments Interface (UPI)

What is UPI in India and how does it work?

What is an EFT payment?

What is the Electronic Fund Transfer Process?

Types of EFT Payments

What’s the Difference Between an EFT and an ACH?

Are Electronic Fund Transfers Safe?

What are the Benefits of Electronic Fund Transfer?

How Do Electronic Funds Transfers Work for International Payments?

Every transaction starts somewhere. In today’s global economy, e-commerce is on the rise. Digital payment is the way of today, and tomorrow, and that means any business, large or small, needs to take advantage of electronic transactions. That’s where electronic funds transfer comes in. This concept is applicable to every digital transaction out there, and for merchants, businesses, and consumers it’s important to know how electronic money transfers work. This is electronic funds transfer explained.

Electronic Funds Transfer (EFT)

Digital payment is the way of today, and tomorrow, and that means any business, large or small, needs to take advantage of electronic transactions.

Electronic Funds Transfer

What is Electronic Funds Transfer (EFT)?

Jonathan leads the development of data-driven insights at World Data Lab, including the acclaimed Beauty Report. With 20 years in consumer analytics, he has worked across Europe and Asia, including at Kantar. He partners with top global brands to deliver future-focused market intelligence.

Jonathan Haigh

At EBANX, Ariel Cezar Andrade leads the creation of cutting-edge products using Machine Learning and Generative AI. With a career focused on tackling complex challenges in fraud prevention, he has previously developed data science solutions in the banking and food tech sectors. His foundation includes a degree in Control and Automation Engineering (UFOP) and advanced specializations in Data Science (ITA), Big Data (FIAP), and Business Management (USP).

Ariel Cezar Andrade

What is 3D Secure?

How does a 3D Secure payment work?

The benefits of 3D Secure

What is 3D Secure 2.0?

The importance of 3D Secure

Payment fraud continues to be one of the major concerns for e-commerce businesses, but 3D Secure can be a solution. Read on! We will help you to understand 3DS technology fully.

3D Secure: All You Need to Know

3D secure - as known as payer authentication - is a technical standard that adds a layer of security in online credit and debit card transactions.

What is 3D Secure (3DS)?

What is 3D Secure (3DS)? | Payments Explained

Alyson Grosshandler joined EBANX in January as Regional Director for the North Cone. She brings more than 20 years of experience in payments across Fortune 500 companies and fintech startups in the US, Asia, and Latin America, including the past decade in Mexico. At EBANX, she works closely with local leaders and partners to navigate the complexities of emerging markets and build scalable, inclusive payment ecosystems.

Alyson Grosshandler

Pix Automático: Why exceptional UX will make it a game-changer

Discover how people and businesses are consuming online and paying digitally in Latin America, Africa, and India

Discover now

Beyond Borders 2025

Discover why Pix Automático is poised for massive growth and how a seamless user experience will be the key to its success. Learn what to watch out for as this payment method transforms the financial landscape.

Pix Automático: Why exceptional UX will make It a game-changer

Pix Automático: why exceptional UX will make it a game-changer

EBANX Team

From hype to real life: Proven results in approval rates with Network Tokens

The journey of implementing Network Tokens has been a constant learning experience. With robust provisioning, efficient integration and a data-oriented approach, EBANX has been able to unlock real benefits for merchants and consumers.

EBANX & SIHI: How local payments unlocked growth in Brazil

By implementing EBANX's localized payment solutions, SIHI turned a significant business constraint into a competitive advantage. The company overcame its payment challenges and leveraged the new payment infrastructure to accelerate growth and tap into new customer segments in Brazil.

EBANX & SIHI: How local payments unlocked amazing growth in Brazil

Discover how people and businesses are consuming online and paying digitally in Latin America, Africa, and India.

Download the Study

Our annual study is out! Beyond Borders 2022-2023

Get the latest news and trends about payments and market in emerging markets!

Market Updates

With nearly two decades of experience reporting on business, finance, and innovation across Brazil and Latin America, Fabiane enjoys uncovering transformative businesses and influential leaders in emerging markets. At EBANX, she focuses on driving impactful thought leadership and dynamic content strategies.

Fabiane Ziolla Menezes

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How we do it

Fernando Pankiewicz Gomes is a Product Manager specializing in alternative payment methods, leading EBANX's implementation of Pix Automático and Open Finance Payment Initiator products. With a Bachelor's in Computer Engineering from the Pontifícia Universidade Católica do Paraná, Fernando has developed a deep expertise in emerging markets' evolving payment landscape, focusing on solutions that improve financial inclusion. Since joining EBANX in 2020, he has driven initiatives in developer experience, integrations and product operations, enhancing EBANX's payment offerings across key markets. Fernando is married and a proud father of a baby girl.

Fernando Pankiewicz

Global players see 33% monthly transactional growth with Colombia's Nequi

Nequi has 21 million users and has become the leading mobile payment platform in Colombia.

Global players see 33% monthly growth in transactional volume with Colombia's Nequi

Global companies see 33% monthly growth in transaction volume from Colombia's Nequi

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Online Payments

How digital payments and e‑commerce are gaining traction in Latin America, Africa and India

Beyond Borders 2023/2024

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Mobile Money: what is it, and how does it benefit Africa?

It’s time to enhance your retail marketplace in Latin America with a tailored approach to payments.

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EBANX Retail & Marketplace Solution

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Report: Gaming in Latin America

The rise of mobile money has been especially significant in Africa. See what's behind this phenomenon and how it is pushing Africa's development forward.

 EBANX and Spreedly partner to boost LatAm's e-commerce

10 best localization strategies to increase your sales in Brazil

10 email capture strategies for e-commerce business

10 Shopify apps for your online store to sell in multiple languages

The popularization of methods like Pix and e-wallets, as well as and cards’ solid participation in digital commerce are behind the partnership announced by two giants in the payments industry, Spreedly and EBANX.

Latest Articles

Latin America's digital commerce defies the region's macro gloom

5 lessons from Brazil's Pix for other emerging markets

Digital wallets become the fastest-growing online payment in Brazil

From “Nequi me that” to Netflix subscriptions

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BEYOND BORDERS 2025 IS OUT!

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Alessandra Arduini

Débora Dellani

Chris Zietsman

Eduardo de Abreu

Fiorella Quintana

Sinenkosi Mtshali

Alessandra Arduini

Débora Dellani

Chris Zietsman

Eduardo de Abreu

Fiorella Quintana

Sinenkosi Mtshali

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